Plan your retirement assuming that your expenses may increase after retirement.
We assume that spending will decline after retirement and it is true for many, but for others, spending increases for different reasons.
TRAVEL:
You have now free time after retirement, which you never had earlier. Now you can fulfill your wishes to travel around the world. You may go places in off-season there to get maximum discounts which can save you some money.
HEALTHCARE:
In old age, regular health check up and regular medicines can increase your healthcare bills. You may need to hospitalize at some times also.
Other Reasons:
Now you are passing more time at home. Now you may like to change your life-style, may redecorate kitchen, bedroom or bathroom.
To limit your expenses, do control on expenses through credit cards. And other option is you keep yourself involved in other social activities or join some NGO etc.
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